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By BankFodder · Posted
Well I would send the letter by post. If you use the same address then if they put two and two together – so be it. I suppose it's not massively serious but it might be better if they were not on inquiry when they read the letter. I fully expect them to decline your request – either simply to decline it or on a pretext. Have you sent the SAR's? -
Thank you dx100uk, thanks for all your help. I've made a few amends. Does this look ok? Account No/Reference No: XXXXXXXX Dear Sir or Madam Since making that above agreement with you, my circumstances have changed. I cannot now afford the previously agreed monthly payments because of severe financial hardship caused by a loss of income due to the coronavirus pandemic and a long term recovery from an operation leading to statutory sick pay. In view of these circumstances, please would you agree to accept a reduced offer of £5.00 per month for the next 6 months. Please refrain from adding any interest and/or penalty fees as under the rules of the various organisations like the FCA / FOs that govern you and help me through this hardship period. Should my circumstances improve I will contact you again. In the meantime, I would appreciate it if you could send me a paying-in book / standing order form to make it easier to pay you. Thank you for your assistance, I look forward to hearing from you as soon as possible. Yours faithfully, -
By Titchytitch · Posted
I think I'm thinking on the lines of the way the FOS has handled my complaint and the way my data has been used Also the letter you're asking me to send won't they pick up from my name address or email -
just remove all ref to it send the offer and pay it regardless to if they do or dont reply/accept you do NOT need a debts owners permission to pay what is propsed you are simply informing hey this is what you'll get for xxmts..tough if you dont like it. you must take control. -
By BankFodder · Posted
What would be the basis of your complaint to the ICO?
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Our picks
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Hermes - destroyed item as it was "damaged"- **Judgment for Conversion of destroyed item. **WON**
hellothere124 posted a topic in Postal and Delivery Services,
Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347-
- 32 replies
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Post in Bailiffs in at BBC obtain 7 years interest on overpayment of TV licence
Its WAR posted a post in a topic,
I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON at mediation full amount **
jj58 posted a post in a topic,
Hi @BankFodder
Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
So I issued the claim on day 15 and they requested more time to respond.
They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
I opted for mediation, and it played out very similarly to other people's experiences.
In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them.
In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
Many thanks, stay safe and have a good Christmas!
Picked By
BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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